---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-000650"
form_type: "8-K"
ticker: "JUVF"
cik: "0000714712"
company_name: "JUNIATA VALLEY FINANCIAL CORP"
filed_at: "2023-01-27T23:59:59+00:00"
generated_at: "2026-06-20T07:32:20.795393+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Juniata Valley reports record FY2022 net income $8.3M, EPS $1.66 (+26% YoY); Q4 EPS $0.42 (+56%)

## Summary
- FY2022 net income $8.3M, up 26% from $6.6M; diluted EPS $1.66 vs $1.32.
- Q4 2022 net income $2.1M, up 57.7%; EPS $0.42 vs $0.27.
- Net interest margin (FTE) improved to 3.10% in FY2022 from 2.83% in FY2021; loan growth 15.8% YoY.
- Transferred $212.3M AFS securities to HTM in Q4 to limit unrealized losses; equity fell $34.3M driven by $38.3M AOCI loss.
- Board declared $0.22 per share cash dividend, payable March 1, 2023, record Feb 14.

## SEC filing metadata
- accession: 0001558370-23-000650
- form_type: 8-K
- ticker: JUVF
- cik: 0000714712
- company_name: JUNIATA VALLEY FINANCIAL CORP
- filed_at: 2023-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/tmb-20230127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-000650
- JSON: https://secwatch.observer/filing/0001558370-23-000650.json
- Plain text: https://secwatch.observer/filing/0001558370-23-000650.txt

## Key facts
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the year ended December 31, 2022 results: net income $8.3 million, EPS $1.66.
  - Period: the year ended December 31, 2022
  - Net income: $8.3 million
  - EPS: $1.66
  - Result: reported results
  source text: Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the year ended December 31, 2022 of $8.3 million, an increase of 26.0%, compared to net income of $6.6 million for the year ended December 31, 2021. Earnings per share, basic and diluted, increased 25.8%, to $1.66, for the year ended December 31, 2022, compared to $1.32 for the year ended December 31, 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm
- Earnings Releases
  JUNIATA VALLEY FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $2.1 million, EPS $0.42.
  - Period: the three months ended December 31, 2022
  - Net income: $2.1 million
  - EPS: $0.42
  - Result: reported results
  source text: Net income for the three months ended December 31, 2022, increased 57.7%, to $2.1 million, compared to net income of $1.3 million for the three months ended December 31, 2021. Earnings per share, basic and diluted, increased 55.6% for the three months ended December 31, 2022, to $0.42, compared to basic and diluted earnings per share of $0.27 for the corresponding 2021 period.
  evidence_url: https://www.sec.gov/Archives/edgar/data/714712/000155837023000650/0001558370-23-000650-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.